Daphne-Fairhope-Foley
Metropolitan Statistical Area · MSA Code 19300
According to CFPB HMDA 2024 application volume among tracked metros, Daphne-Fairhope-Foley ranks #154 of 418.
Mortgage lending activity in the Daphne-Fairhope-Foley metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Daphne-Fairhope-Foley Metropolitan Statistical Area (MSA code 19300) financed its book at an average note rate of 6.99%. 20 major lenders are tracked for this metro - DHI Mortgage Company, LTD., Regions Bank, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Daphne-Fairhope-Foley sits in the 50th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Daphne-Fairhope-Foley denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 16.6% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $285,698 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Daphne-Fairhope-Foley
In Daphne-Fairhope-Foley, lead originator DHI Mortgage Company, LTD. funded 11.8% of 7,816 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 21.7% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Daphne-Fairhope-Foley's 16.6% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Daphne-Fairhope-Foley's 15,535 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Daphne-Fairhope-Foley's $285,698 average loan (deduped against denial and volume peers).
Lenders active in the Daphne-Fairhope-Foley metro
DHI Mortgage Company, LTD. funded 922 of the 7,816 loans originated here, 11.8% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | DHI Mortgage Company, LTD. | 922 | 1,441 | $315,014 | 11.8% |
| 2 | Regions Bank | 393 | 764 | $156,257 | 5.0% |
| 3 | Rocket Mortgage | 380 | 550 | $250,345 | 4.9% |
| 4 | United Wholesale Mortgage | 326 | 449 | $337,584 | 4.2% |
| 5 | Trustmark National Bank | 268 | 333 | $273,769 | 3.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Daphne-Fairhope-Foley metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for Daphne-Fairhope-Foley borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.